Job title: Risk Credit Control Team Member

Internal/External 

Job title                  : Risk Credit Control Team Member

Department           : Risk Management

Reporting Line       : Team Lead, Risk Management

Location: Head Office

Job Objectives

Responsible for the Credit and loan documentation review process and ensuring that all approved income/fees due to the bank are stated in the disbursement documents

Role & Responsibilities

• – Ensure that credit approvals and collateral documents meet conditions.
• – Ensure that credit approvals and collateral documents meet conditions.
• – Ensure that conditions for credits are offered to customers as approved.
• – Ensure that terms of conditions of credits are conveyed as approved
• – Ensure that Bonds & Guarantee are issued in accordance with approved terms and conditions
• – Ensure that all reviewed collateral documents are lodged for filing
• – Ensure that all necessary reports are rendered as and when due or required
• – Ensure that all Irrevocable Standing Payment Orders are issued in accordance with approved terms and conditions.

1. Ensure that credit approvals and collateral documents meet conditions: (Time Spent 30%)

• – Review all credit approvals to ensure that they are in line with the credit policy and regulatory provisions.
• – Identify the approved collateral and securities and ensure that all collateral documents meet the approved conditions and that they are in place before authorizing availment of all facilities and guarantees issuance.
• – Ensure that all approved pre-disbursement conditions are in place before availment of facilities.
• – Liaise with the Business offices and Credit Admin to ensure that satisfactory CRMS report is in place before availment of facilities.
• – Ensure that good credit bureau reports are in place before availment of facilities
• – Advise management in dealing with credits with unsatisfactory credit reports.
• – Advise management on the appropriate steps to deal with improperly approved facilities and deficient documentation.
• – Prepare and sign off on Credit Availment Tickets.

2. Ensure that conditions for credits are offered to customers as approved: (Time spent 15%)

• – Issuance of offer letters to customers in line with approved terms and Conditions of the facilities.

3. Ensure that terms and conditions of credits are offered to customers as approved: (Time spent 20%)

• Review of Credit Approval Communication to convey the terms and conditions of credit approval

4. Ensure that Bonds & Guarantees are issued in accordance with approved terms and conditions: (Time spent 20%)

• – Review all requests for bonds and guarantees to ensure they are in line with approved terms and conditions.
• – Issuance of bonds and guarantees in line with approved terms and conditions.
• – Confirmation of bonds and guarantees issued to beneficiaries.
• – Ensure that all approved income and fees on bonds and guarantees issuance are taken.

5. Return of management reports and registration of collateral documents: (Time spent 5%)

• – Rendering reports to Management as and when required on approved credits.
• – Rendering reports on availed facilities.

6. Ensure that all reviewed collateral documents are lodged for filing: (Time spent 5%)

• – Ensure that all disbursement and collateral documents from the business offices are received for filing.
• – Ensure that all credit and collateral documents are lodged with the Archives after availment for proper custody and safety.
• – Ensure the maintenance of filing systems, both electronic and hard copy.

7. Ensure that Irrevocable Standing Payment Orders (ISPO) are issued in accordance with approved terms and condition:

• – Review all request for ISPOs issuance to ensure it is in line with approved terms and conditions.
• – Issuance of ISPOs in line with approved terms and conditions.
• – Confirmation of ISPOs issued to beneficiaries.
• – Ensure that all approved income and fees on ISPO issuance are taken.

Key Performance Indicator

• – Responsiveness to availment requests within 24 hours of receipt of complete documentation.
• – Effectiveness at ensuring that approved credits are availed only when conditions previous to drawdown have been satisfied or appropriate deferrals/waivers obtained.
• – Timelines in generating report as at when due.
• – Volume of internal customer complaints

EDUCATION REQUIREMENTS

Education- Minimum of bachelor’s degree in Law (for documentation review) or Accountancy/Business Studies/Administration and related courses (for CACOM issuance).

EXPERIENCE

Experience – Minimum of 0-3 years banking or minimum of 1-4 years non-banking but related experience.

Key Skills:

Knowledge

Basic knowledge of regulatory and statutory requirements for availment of credits

Skills/Competencies/Aptitudes

• – Good analytical skills.
• – Good writing skills.
• – Good presentation skills.
• – Good drafting skill.
• – Broad IT skill.

Application submission

Candidates should send their resume and motivation letter to hcmrecruitcameroon@ubagroup.com , with the heading “ Credit Control Team Member ” by August 10, 2023 Before Close of Business .

Only shortlisted candidates will be contacted to proceed to the interview stage.

If you do not receive any response 01 month after this publication, kindly consider your application as non-accepted for this time.

Dintar BERKA, Regional HRBP CEMAC/Country Resources

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